Emergency Repair Loans for Homeowners
The Emergency Repair Loan (ERL) program assists homeowners to make vital repairs such as roof replacement, water/sewer line replacement, or foundation repair. ERL assistance is in the form of a deferred payment loan to low- or moderate-income homeowners.

Homeowners must live in the home for at least one year prior to applying. They must also meet income guidelines. If a homeowner lives in his or her home for five years, the loan will be forgiven.